Decentralized architecture for property-backed vehicles and creation, publication, and distributed owner investment

ABSTRACT

A method comprising providing, by a first property owner system to an investment system, a first loan request to be secured by first property, receiving loan terms and an agreement, the loan terms being based on an assessment of first value of the first property, providing an indication of agreement, receiving an indication of publication of a particular loan opportunity among a plurality of different loan opportunities, receiving an indication that a loan based on the first loan terms has been funded by at least a first investor and a second investor, receiving a loan amount as indicated by the first loan terms, the investment system calculating and distributing daily returns to the first investor and the second investor based on their investment, prepaying a portion of the first loan amount, and receiving an indication that the first investor sold their investment in the loan to a third investor.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application claims priority to U.S. Provisional Patent ApplicationNo. 62/930,505, filed on Nov. 4, 2019, and entitled “ARCHITECTURE FORCREATION, PUBLICATION, AND DISTRIBUTED INVESTMENT OF PROPERTY-BACKEDVEHICLES,” which is incorporated in its entirety herein by reference.

TECHNICAL FIELD

This disclosure pertains to secure systems for a centralizedarchitecture for borrowers, individual and party investors forproperty-backed assets and, more specifically, a centralizedarchitecture for creation, publication, and distributed investment ofproperty-backed loan vehicles.

BACKGROUND

Property owners seeking liquidity generally must go to a financialinstitution and arrange loan terms. The financial institution may fundthe loan based on negotiated loan terms. Subsequently, the financialinstitution may generate income from the loan and provide the income toothers that invest in the loan in the form of interest. The loan vehiclemay be bundled with other loan vehicles and sold to other financialinstitutions or, alternately, derivatives based on the loans may becreated for further risk distribution and/or income opportunities.

Traditional financial institutions do not allow a system wherebydifferent potential, unrelated investors may discover differentproperties and property-backed loans that they may individually investin. As a result, a traditional financial institution may undertake aloan that is secured by the real property, but individual, unrelatedinvestors may not individually, intentionally, and specifically find aninvest in that particular loan opportunity. Traditional financialinstitutions are monolithic and do not distribute or publish informationregarding specific property-backed loan opportunities to others (e.g.,particularly for loan opportunities of a relatively low amount of moneysuch as $10 k, $50 k, $100 k, and $500 k).

Further, traditional financial institutions do not have a flexiblearchitecture to publish and arrange in investment from multipleinvestors for each loan opportunity. As a result, investors lose optionsand flexibility. Further, by distributing the investment of the loanopportunity over specific investors that accept the risk and profit fromthe income, the financial institution may undertake unnecessary and, attimes, unpredictable risk over any number of investments that can betransferred to individual investors.

Moreover, traditional financial institutions do not have thearchitecture to distribute interest and/or principal (e.g., returns)back to individual investors that invested in the loan opportunity.

SUMMARY

An example non-transitory computer readable medium comprisesinstructions that are executable by a processor. The instructions beingexecutable to perform an example method. The method comprisingreceiving, from a first property owner system by an investment system, afirst loan request to be secured by first property owned by a first userof the first property owner system, the first loan request includingproperty information identifying the first property, the first propertyowner system being remote from the investment system, assessing a firstvalue of the first property based, at least in part, on the propertyinformation of the first property, providing first loan terms to thefirst property owner system and requesting agreement, receiving a firstagreement to the first loan terms from the first property owner system,publishing, by the investment system on a network, a first particularloan opportunity among a plurality of different loan opportunities, thefirst particular loan opportunity being based on the agreed first loanterms and the first property information, the plurality of differentloan opportunities being searchable through an interface provided by theinvestment system, providing different loan opportunities of theplurality of different loan opportunities based on a first queryreceived from remote systems, in response to receiving selections of thefirst particular loan opportunity from the plurality of different loanopportunities by a first investor system and a second investor system,providing details of the first particular loan opportunity including atleast some of the property information identifying the first property tothe first investor system and the second investor system, the firstinvestor system and the second investor system being remote from eachother and operated by a first investment entity and a second investmententity, respectively, receiving a first commitment from the firstinvestor system to partially fund a loan amount associated with thefirst particular loan opportunity and a second commitment from thesecond investor system to partially fund the loan amount associated withthe first particular loan opportunity, enabling a first loan to thefirst user when the loan amount associated with the first particularloan opportunity is completely funded, distributing, every day, dailyreturns to the first investing entity and the second investing entity, afirst amount of the daily returns of the first investing entity beingbased on an amount of the first partial funding of the loan amount and asecond amount of the daily returns of the second investing entity beingbased on an amount of the second partial funding of the loan amount, andreceiving first loan payments from the first user and distributing thedaily returns from the first loan payments.

The method may further comprise receiving a retention payment from firstfunds provided by the first investing entity and the second investingentity, the retention payment enabling providing of the daily returns tothe first investment entity and the second investing entity until aninitial loan payment of the first loan payments is received by the firstuser. In some embodiments, the method may further comprise retrieving afirst agreement template from a plurality of agreement templates,populating the first agreement template based on an identity of thefirst user, an identity of the first investing entity, an identity ofthe second investing entity, the loan amount, the first loan terms, andthe first property information to create a first agreement, providingthe first agreement to the property owner system, the first investorsystem, and the second investor system, and receiving signed copies ofthe first agreement from the property owner system, the first investorsystem, and the second investor system, wherein enabling the first loanto the first user occurs after the signed copies are received.

In some embodiments, the method may further comprise receiving, from asecond property owner system by the investment system, a second loanrequest to be secured by second property owned by a second user of thesecond property owner system, the second loan request including propertyinformation identifying the second property, the second property ownersystem being remote from the investment system and the first propertyowner system, the first user being different than the second user,assessing a second value of the second property based, at least in part,on the property information of the second property, providing secondloan terms to the second property owner system and requesting agreement,receiving a second agreement to the second loan terms from the secondproperty owner system, publishing, by the investment system on thenetwork, a second particular loan opportunity among the plurality ofdifferent loan opportunities, the second particular loan opportunitybeing based on the agreed second loan terms and the second propertyinformation, the second particular loan opportunity being pending at asame time as the first particular loan opportunity, in response toreceiving selections of the second particular loan opportunity from theplurality of different loan opportunities by a third investor system anda fourth investor system, providing details of the second particularloan opportunity including at least some of the property informationidentifying the second property to the third investor system and thefourth investor system, the third investor system and the fourthinvestor system being remote from each other as well as being remotefrom the first investor system and the second investor system, the thirdinvestor system and the fourth investor system being operated by a thirdinvestment entity and a fourth investment entity, respectively, thefirst, second, third, and fourth investment entities being differentfrom each other, receiving a third commitment from the third investorsystem to partially fund a loan amount associated with the secondparticular loan opportunity and a fourth commitment from the fourthinvestor system to partially fund the loan amount associated with thesecond particular loan opportunity, enabling a second loan to the seconduser when the loan amount associated with the second particular loanopportunity is completely funded, distributing, every day, daily returnsto the third investing entity and the fourth investing entity, a thirdamount of the daily returns of the third investing entity being based onan amount of the third partial funding of the loan amount and a fourthamount of the daily returns of the fourth investing entity being basedon an amount of the fourth partial funding of the loan amount, andreceiving second loan payments from the second user and distributing thedaily returns from the second loan payments.

Enabling the first loan to the first user comprises providinginstructions over the network to a financial institution to provide thefirst loan amount to the first user. In some embodiments, distributing,every day, daily returns comprises providing instructions over thenetwork to the financial institution to provide the daily returns to thefirst investing entity and the second investing entity. In variousembodiments, a facilitating entity that operates the investment systemregisters the first loan as a sole debtor.

The method may further comprise authenticating the first user of thefirst property owner system, the first investing entity of the firstinvestor system, and the second investing entity of the second investorsystem, providing a communication channel among the first property ownersystem, the first investor system, and the second investor system forcommunication over the network, creating a secure record ofcommunication in the communication channel among the first propertyowner system, the first investor system, and the second investor system,receiving a second query for the secure record from a requestor, therequestor being the first property owner system, the first investorsystem, or the second investor system, authenticating the second query,and providing the secure record upon authentication of the second query.In some embodiments, authenticating the second query comprises receivingan encryption key from the requestor to determine if the requester isauthorized to receive the secure record.

In some embodiments, the method may further comprise generating adashboard viewable by the first investor system over the network, thedashboard indicating daily payments made and future daily payments forany number of loans funded by the first investor entity using theinvestment system.

An example investment system may comprise at least one processor, anetwork interface to communicate over a network, and memory. The memorymay include instructions to control the at least one processor toreceive, from a first property owner system, a first loan request to besecured by first property owned by a first user of the first propertyowner system, the first loan request including property informationidentifying the first property, the first property owner system beingremote from the investment system, assess a first value of the firstproperty based, at least in part, on the property information of thefirst property, provide first loan terms to the first property ownersystem and requesting agreement, receive a first agreement to the firstloan terms from the first property owner system, publish, on thenetwork, a first particular loan opportunity among a plurality ofdifferent loan opportunities, the first particular loan opportunitybeing based on the agreed first loan terms and the first propertyinformation, the plurality of different loan opportunities beingsearchable through an interface provided by the investment system,provide different loan opportunities of the plurality of different loanopportunities based on a first query received from remote systems, inresponse to receiving selections of the first particular loanopportunity from the plurality of different loan opportunities by afirst investor system and a second investor system, provide details ofthe first particular loan opportunity including at least some of theproperty information identifying the first property to the firstinvestor system and the second investor system, the first investorsystem and the second investor system being remote from each other andoperated by a first investment entity and a second investment entity,respectively, receive a first commitment from the first investor systemto partially fund a loan amount associated with the first particularloan opportunity and a second commitment from the second investor systemto partially fund the loan amount associated with the first particularloan opportunity, enable a first loan to the first user when the loanamount associated with the first particular loan opportunity iscompletely funded, distribute, every day, daily returns to the firstinvesting entity and the second investing entity, a first amount of thedaily returns of the first investing entity being based on an amount ofthe first partial funding of the loan amount and a second amount of thedaily returns of the second investing entity being based on an amount ofthe second partial funding of the loan amount, and receive first loanpayments from the first user and distributing the daily returns from thefirst loan payments.

An example method comprises receiving, from a first property ownersystem by an investment system, a first loan request to be secured byfirst property owned by a first user of the first property owner system,the first loan request including property information identifying thefirst property, the first property owner system being remote from theinvestment system, assessing a first value of the first property based,at least in part, on the property information of the first property,providing first loan terms to the first property owner system andrequesting agreement, receiving a first agreement to the first loanterms from the first property owner system, publishing, by theinvestment system on a network, a first particular loan opportunityamong a plurality of different loan opportunities, the first particularloan opportunity being based on the agreed first loan terms and thefirst property information, the plurality of different loanopportunities being searchable through an interface provided by theinvestment system, providing different loan opportunities of theplurality of different loan opportunities based on a first queryreceived from remote systems, in response to receiving selections of thefirst particular loan opportunity from the plurality of different loanopportunities by a first investor system and a second investor system,providing details of the first particular loan opportunity including atleast some of the property information identifying the first property tothe first investor system and the second investor system, the firstinvestor system and the second investor system being remote from eachother and operated by a first investment entity and a second investmententity, respectively, receiving a first commitment from the firstinvestor system to partially fund a loan amount associated with thefirst particular loan opportunity and a second commitment from thesecond investor system to partially fund the loan amount associated withthe first particular loan opportunity, enabling a first loan to thefirst user when the loan amount associated with the first particularloan opportunity is completely funded, distributing, every day, dailyreturns to the first investing entity and the second investing entity, afirst amount of the daily returns of the first investing entity beingbased on an amount of the first partial funding of the loan amount and asecond amount of the daily returns of the second investing entity beingbased on an amount of the second partial funding of the loan amount, andreceiving first loan payments from the first user and distributing thedaily returns from the first loan payments.

An example non-transitory computer readable medium comprisinginstructions that are executable by a processor. The instructions may beexecutable to perform a method. The method may comprise providing, by afirst property owner system to an investment system, a first loanrequest to be secured by first property owned by a first user of thefirst property owner system, the first loan request including firstproperty information identifying the first property, the first propertyowner system being remote from the investment system, receiving firstloan terms and a proposed first agreement by the first property ownersystem from the investment system, the loan terms being based on anassessment of first value of the first property by the investmentsystem, the assessment being based, at least in part, on the propertyinformation of the first property, providing an indication of agreementto the first loan terms, receiving an indication that the investmentsystem is publishing on a network site a first particular loanopportunity among a plurality of different loan opportunities, the firstparticular loan opportunity being based on the agreed first loan termsand the first property information, the plurality of different loanopportunities being searchable through an interface provided by theinvestment system, receiving, after a first period of time from theinvestment system, an indication that a loan based on the first loanterms has been funded by at least a first investor and a secondinvestor, the first investor and the second investor having provided anagreement to fund different portions of the loan through investmentsystem, the first investor and the second investor being remote fromeach other and being different entities, receiving, as directed by theinvestment system, a loan amount as indicated by the first loan terms,the investment system calculating and distributing daily returns to thefirst investor and the second investor based on their investment,prepaying a portion of the first loan amount, by the first propertyowner system, a first advanced payment of the loan, portions of theadvanced payment being distributed by the investment system to the firstand second investors, the investment system recalculating daily returnsto account for the first advanced payment, and receiving an indicationfrom the investor system that the first investor sold their investmentin the loan to a third investor, whereby the investor system distributesfuture daily returns to the second and third investors.

The loan terms may require any loan agreement to be between an entityoperating the investment system and the first property owner system. Insome embodiments, the method may further comprise providing a query fromthe property owner to the investment system, receiving, by the propertyowner system, different loan opportunities of the plurality of differentloan opportunities based on a first query, providing a selection of thefirst particular loan opportunity from the plurality of different loanopportunities by the property owner system to the investment system,receiving, by the property owner system from the investment system,details of the first particular loan opportunity including at least someof the property information identifying the first property, providing anagreement from the property owner to purchase an investment positionfrom the second investor, and receiving distributions of daily returns,a second amount of the daily returns of the property owner being basedon the investment position from the second investor.

In various embodiments, the method further comprises receiving a firstagreement from the investor system, the first agreement being based on afirst agreement template from a plurality of agreement templates, theinvestor system having populated the first agreement template based onan identity of the property owner, the loan amount, the first loanterms, and the first property information, and providing a signed copyof the first agreement from the property owner system. The propertyowner may receive the loan amount from a financial institution at thedirection of the investment system. The property owner may receive dailydistributions from a financial institution at the direction of theinvestment system.

The method may further comprise registering the first loan, the firstloan indicating that entity operating the investment system is a soledebtor. In some embodiments, the method further comprises providingidentification information to the investment system for authenticationof the property owner by the investment system, utilizing acommunication channel among the first property owner system, the firstinvestor system, and the second investor system for communication overthe network, providing new loan terms of the communication channel, theinvestment system creating a secure record of communication in thecommunication channel, providing a second query for the secure recordfrom the property owner system, and receiving the secure record uponauthentication of the second query. In some embodiments, the methodfurther comprises providing an encryption key to the investment systemto enable the investment system to determine if the property owner isauthorized to receive the secure record.

In various embodiments, the method further comprises navigating, by theproperty owner system to the investment system and receiving a dashboardviewable by the property owner system, the dashboard indicatingremaining amounts associated with the loan, payments, prepayments, andduration of loan daily payments made and future daily payments for anynumber of loans funded by the first investor entity using the investmentsystem.

An example investment system comprises at least one processor, a networkinterface to communicate over a network, and memory. The memoryincluding instructions to control the at least one processor to provide,by a first property owner system to an investment system, a first loanrequest to be secured by first property owned by a first user of thefirst property owner system, the first loan request including firstproperty information identifying the first property, the first propertyowner system being remote from the investment system, receive first loanterms and a proposed first agreement by the first property owner systemfrom the investment system, the loan terms being based on an assessmentof first value of the first property by the investment system, theassessment being based, at least in part, on the property information ofthe first property, provide an indication of agreement to the first loanterms, receive an indication that the investment system is publishing ona network site a first particular loan opportunity among a plurality ofdifferent loan opportunities, the first particular loan opportunitybeing based on the agreed first loan terms and the first propertyinformation, the plurality of different loan opportunities beingsearchable through an interface provided by the investment system,receive, after a first period of time from the investment system, anindication that a loan based on the first loan terms has been funded byat least a first investor and a second investor, the first investor andthe second investor having provided an agreement to fund differentportions of the loan through investment system, the first investor andthe second investor being remote from each other and being differententities, receive, as directed by the investment system, a loan amountas indicated by the first loan terms, the investment system calculatingand distributing daily returns to the first investor and the secondinvestor based on their investment, prepay a portion of the first loanamount, by the first property owner system, a first advanced payment ofthe loan, portions of the advanced payment being distributed by theinvestment system to the first and second investors, the investmentsystem recalculating daily returns to account for the first advancedpayment, and receive an indication from the investor system that thefirst investor sold their investment in the loan to a third investor,whereby the investor system distributes future daily returns to thesecond and third investors.

An example method comprises receiving, from a first property ownersystem by an investment system, a first loan request to be secured byfirst property owned by a first user of the first property owner system,the first loan request including property information identifying thefirst property, the first property owner system being remote from theinvestment system, assessing a first value of the first property based,at least in part, on the property information of the first property,providing first loan terms to the first property owner system andrequesting agreement, receiving a first agreement to the first loanterms from the first property owner system, publishing, by theinvestment system on a network, a first particular loan opportunityamong a plurality of different loan opportunities, the first particularloan opportunity being based on the agreed first loan terms and thefirst property information, the plurality of different loanopportunities being searchable through an interface provided by theinvestment system, providing different loan opportunities of theplurality of different loan opportunities based on a first queryreceived from remote systems, in response to receiving selections of thefirst particular loan opportunity from the plurality of different loanopportunities by a first investor system and a second investor system,providing details of the first particular loan opportunity including atleast some of the property information identifying the first property tothe first investor system and the second investor system, the firstinvestor system and the second investor system being remote from eachother and operated by a first investment entity and a second investmententity, respectively, receiving a first commitment from the firstinvestor system to partially fund a loan amount associated with thefirst particular loan opportunity and a second commitment from thesecond investor system to partially fund the loan amount associated withthe first particular loan opportunity, enabling a first loan to thefirst user when the loan amount associated with the first particularloan opportunity is completely funded, distributing, every day, dailyreturns to the first investing entity and the second investing entity, afirst amount of the daily returns of the first investing entity beingbased on an amount of the first partial funding of the loan amount and asecond amount of the daily returns of the second investing entity beingbased on an amount of the second partial funding of the loan amount, andreceiving first loan payments from the first user and distributing thedaily returns from the first loan payments.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 is an environment for a property investment and liquidity systemin some embodiments.

FIG. 2 depicts a flow chart for fulfilling a property investmentopportunity in some embodiments.

FIG. 3 depicts a property investment and liquidity system in someembodiments.

FIG. 4 depicts an example, property owner module in some embodiments.

FIG. 5 is an example loan facilitation module in some embodiments.

FIG. 6 is a flowchart for paying returns to investors in someembodiments.

FIG. 7 is a method for a property owner to create a loan opportunity.

FIG. 8 depicts a method for an investor to find, investigate, and committo one or more loan opportunities in some embodiments.

FIG. 9 is a flow chart for a method for investing in some embodiments.

FIG. 10 is a dynamic graphical user interface (GUI) for an investor onan investor's digital device.

FIG. 11 is an investor dynamic graphical user interface (GUI) for aninvestor on an investor's digital device.

FIG. 12 is an investor dynamic graphical user interface (GUI) for aninvestor to research a property on an investor's digital device.

FIG. 13 is an investor dynamic graphical user interface (GUI) for aninvestor to research a potential borrower on an investor's digitaldevice.

FIG. 14 is an investor dynamic graphical interface (GUI) requestinginformation regarding whether the investor is an accredited investor.

FIG. 15 is an investor dynamic graphical interface (GUI) that may bedepicted in the application of the investor that enables the investor todetermine an amount of investment in the loan opportunity

FIG. 16 depicts an example final confirmation of a loan investmentagreement in some embodiments.

FIG. 17 is a flowchart for an investor to sell their investment toanother investor in some embodiments.

FIG. 18 is a dynamic graphical user interface (GUI) for an investor thatenables the investor to buy the investments of the particular loanopportunity of other investors or sell all or part of their investmentsof the particular loan opportunity.

FIG. 19 is a dynamic graphical user interface (GUI) for an investor thatenables the investor to sell all or part of their investments.

FIG. 20 is a dynamic graphical user interface (GUI) to confirm theinvestor's intention to sell their investment.

FIG. 21 is a method for determining daily payments in some embodiments.

FIG. 22 depicts a spreadsheet for a calculation of a loan setup as anexample.

FIG. 23 depicts a spreadsheet for payments over the life of the loan inan example.

FIG. 24 depicts a block diagram of an example digital device accordingto some embodiments.

DETAILED DESCRIPTION

An example property investment and liquidity system enables propertyowners (e.g., homeowners) to access liquidity based on their propertywhile enabling diverse investors to earn daily returns on investment inthat property. In one example, a property owner may interact with theproperty investment and liquidity system over a network to investigateloan opportunities, including term, amount of loan, applicable rates,fees, and the like. If there is an acceptable loan opportunity, theproperty owner may list their property and loan information on theproperty investment liquidity system for investment. Any number ofpotential investors may access the property investment and liquiditysystem over the network to review possible properties and loaninformation for possible investment.

The property investment and liquidity system enables different,unrelated investors to search one or more properties and investmentopportunities (as well as perform research on the property and/or theinvestment opportunity). An investor may select a property and a selectan amount to invest into the desired loan of the property owner; asingle investor may choose to invest only a portion of the desired loan.Once there is a commitment to fund the entire loan from the investorgroup (i.e., each investor of the group having committed to invest intothe desired loan), the property investment and liquidity system maycreate the loan instrument as well as receive and transfer funds fromthe investors to the property owner. In some embodiments, the propertyis residential real estate, such as a home and related land.

In various embodiments, the property investment and liquidity systemprovides daily returns to each investor. The property investment andliquidity system may also enable the property owner to, at any time, paydown a portion of the loan (e.g., any amount of the loan or at least aminimum amount that is less than all of the loan) at any time during thelife of the loan. The property investment and liquidity system mayprovide all or part of the property owner's pay down payment to theinvestors.

Investors may also choose to sell their portion of the investment oracquire additional portions of the investment from other investors. Forexample, a first investor may have originally committed to investing 15%of a property loan while a second investor may have originally committedto investing 7% of the property loan. The second investor may choose tosell half of their investment to the first investor. Using the propertyinvestment and liquidity system, the first investor may buy theinvestment from the second investor. After the transaction, the firstinvestor may, in this example, have invested (e.g., own) 18.5% of theloan and the second investor may have invested (e.g., own) 3.5% of theloan. Subsequently, the property investment and liquidity system mayupdate what daily returns to provide to the first and second investorbased on the new loan investments.

In some embodiments, there may be a property investment exchange thatenable different individuals to find and research investmentopportunities based on the loans of the property investment andliquidity system. For example, the property investment exchange mayenable different investors to indicate the value (e.g., investment andloan information) of their property investment. Individuals or anythird-party entity may select and research opportunities and purchaseany number of loan opportunities from any number of investors for anynumber of properties at rates published by the property investmentexchange. It may be appreciated that pricing of investment opportunitiesmay be reflected by the transactions and publications reflected in theproperty investment exchange.

FIG. 1 is an environment 100 for a property investment and liquiditysystem in some embodiments. FIG. 1 includes a property of interest 102,property owner systems 104A through 104N, investor systems 106A through106N, a property investment and liquidity system 108, and a financialinstitution 110 that communicate over a communication network 112. Theproperty owner systems 104A through 104N, investor systems 106A through106N, and property investment and liquidity system 108 may each includeone or more digital devices. A digital device is any device thatincludes at least one processor and memory. Digital devices are furtherdiscussed with regard to FIG. 24.

FIG. 1 depicts an example architecture of a system for: (1) researchingloan opportunities for property owners, (2) for publishing loanopportunities across the network to unrelated investors for review, (3)for enabling investors to research and search loan opportunities in acentralized system, (4) for creating, providing, and collectingdocuments from property owners for loan creation and from investors forinvesting in a loan opportunity, (5) for collecting funds, distributingloan funds, and providing returns to the investor, and (6) for enablinginvestors to find, sell, and/or buy investments in existing loanopportunities.

In various embodiments, the property investment and liquidity system 108is a centralized system that communicates with different property owners(e.g., home owner systems 104A-104N) and may be located anywhere in theworld. As such, the property investment and liquidity system 108 may bea centralized system that allows different property owners to research,negotiate loans, enable loan documents to be created, receive loandocuments, and/or facilitate funding. Further, the property investmentand liquidity system 108 may enable property owners to prepay (e.g., payextra) any amount of a loan early at any time.

The property investment and liquidity system 108 may utilize the samenetwork and be a centralized system and/or server for publishinginformation regarding loan opportunities to interested potentialinvestors. The interested potential investors may communicate with theproperty investment and liquidity system 108 using one or more investorsystems 106A-106N. The investors may be unrelated to each other (e.g.,from different, independent third-parties) and removed from each other.

An investor may utilize an application on their device and/or navigateto a web site with information from the property investment andliquidity system 108 (in some embodiments, the property investment andliquidity system 108 may host a web site and/or provide information toany number of applications on any number of investor systems).

Investors may research loan opportunities based on financial information(e.g., loan duration, rate, expected yield), borrower information (e.g.,credit rating, financial history), property information (e.g., type ofproperty, location of property, desirability of property, financialinformation of property (e.g., price of property, amount of preexistingdebt secured by the property, history of property, features of theproperty), and/or any combination of the above. In one example, aninvestor using the investor system 106A may search using crafted queriesa database of properties and/or loan opportunities (e.g., desired loansfrom property owners) for properties and/or loans of interest.

The property investment and liquidity system 108 may also, in someembodiments, control fund flows (e.g., to fund the loan for the propertyowner, receive payments form the property owner, and distribute returnsto the investors) and/or may receive funds as well as control funds. Insome embodiments, one or more financial institutions 110 may store fundsand/or hold them in trust or escrow on behalf of the property investmentand liquidity system 108 rather than the property investment andliquidity system 108 receiving money from different systems and/orindividuals.

The property investment and liquidity system 108 may, in someembodiments, calculate daily returns to provide to investors once theloan is funded, provide daily returns, and enable borrowers to prepayany amount of the loan. If a borrower prepays an amount of the loan, theproperty investment and liquidity system 108 may split the prepaymentamong the investors based on their percentage funding of the loan, andrecalculate daily returns to ensure that the daily returns are correctin view of the change.

Due to the centralization of the property investment and liquiditysystem 108, the property investment and liquidity system 108 enablesinvestors and property owners to work together. The property investmentand liquidity system 108 is centralized among the parties (e.g., loanborrower, property collateral, and investors) and, as a result, theproperty investment and liquidity system 108 may track investments,payments, percentage ownership of the loans, returns, and the like. Assuch, the life cycle of the investment has greatly improved security.For example, if there are multiple systems engaged in the process, asingle attack in the middle of the system may damage the financialvehicle as well as any number of parties. In this example, the propertyinvestment and liquidity system 108 tracks all or most aspects of theloan thereby improving trustworthiness and security. Further, speed ofthe process of loan creation, publication, investment, payment, returns,and the like are improved by a centralized property investment andliquidity system 108 because parties of a decentralized architecturerequire individual, secured, authenticated relationships with consistentsoftware and supported protocols.

As such, in a system where there are many unrelated parties for loancreation, funding, searching, and the like, investment property issubject to many processes that slow each individual loan. Further, banksor other financial institutions are not positioned to establishrelationships with individual investors regarding a single loanopportunity. Rather, a financial institution will create opportunitiesthrough the grouping of loans into a derivative or ETF. While there isnothing wrong with the approach, individual borrowers are not allowed topartially prepay their loans, investors cannot choose to invest in asingle, desirable property, and daily returns are simply not availablewithout a centralized system such as that depicted in FIG. 1.

The property of interest 102 may be any real estate property. In manyexamples discussed herein, the property may be referred to as being ahome property (e.g., residential). It may be appreciated that theproperty may be residential or commercial. Further, the property 102 mayrefer to a single real estate property or any number of real estateproperties (e.g., a plurality of houses, apartments, condominiums,stores, warehouses, storage facilities, and/or the like). As depicted inFIG. 1, property or interest 102 may be a house of many houses locatedat a particular address.

In one example, a property owner may seek a loan secured by theirresidential property. The property owner may reach out to the propertyinvestment and liquidity system 108 to seek a loan. The propertyinvestment and liquidity system 108 may come to an agreement of termsregarding the loan and then publish the loan for individual, and remoteinvestors to select the loan opportunity for investing. Once there issufficient investment committed to service the loan, an operator (i.e.,an entity) of the property investment and liquidity system 108 may enterinto an agreement with the property owner. The property investment andliquidity system 108 and/or the operator may register the loan with thecounty registrar. In this example, the entity that operates or workswith the property investment and liquidity system 108 is the registeredentity that holds the property lien. The property investment andliquidity system 108 may facilitate funds from the investors to fund theloan and provide the loan to the property owner. Subsequently, theproperty investment and liquidity system 108 facilitates daily returnsto the investors.

FIG. 2 depicts a flow chart for fulfilling a property investmentopportunity in some embodiments. FIG. 2 depicts a property owner 202(e.g., utilizing home owner system 104A), a property investment andliquidity system 204, a first investor 206, a second investor 208, and athird investor 210. The property investment and liquidity system 204 maybe, for example, property investment and liquidity system 108. Thefirst, second, and third investors 206, 208, and 210 may interact withthe property investment and liquidity system 204 utilizing investorsystems 106A, 106B, and 106C, respectively. Although FIG. 2 depicts asingle property owner 202 and three investors, it may be appreciatedthat there may be any number of home owners that own any number ofproperties and any number of investors.

In step 212, the property owner 202 (e.g., via the home owner system 104a) may navigate over the communication network 112 to communicate withthe property investment and liquidity system 204 to request a loanbacked by a property owned, in whole or part, by the property owner 202.The property owner 202 may provide property information. Propertyinformation may include, for example, address, type of property (e.g.,house, commercial, or the like), and features or property (e.g., numberof bedrooms, bathrooms, square feet, views, updates, pool, heating, airconditioning, and the like). The property owner 202 may provide propertyfinance information such as purchase price, value of similar homes inthe area, home improvements, history of property (e.g., physicalchanges, destruction, damage, changes to real estate close to property,and/or the like), and/or financial history (e.g., past purchase amounts,preexisting loans, liens, easements, encumbrances, and/or the like).

In step 214, the property investment and liquidity system 204 mayperform diligence of the property and negotiate loan terms with theproperty owner 202. For example, the property investment and liquiditysystem 204 may perform a title search on the property to confirmownership (e.g., to confirm property owner 202 is the owner of theproperty) as well as determine past purchase amounts, preexisting loans,liens, easements, encumbrances, and/or the like).

The property investment and liquidity system 204 may also determineequity in the house, assess debt and evaluate the investmentopportunity. The property investment and liquidity system 204 maynegotiate terms with the property owner 202 regarding duration of loan,amount, rates, fees, opportunities for prepayments, discussexpectations, and/or the like. in some embodiments, the propertyinvestment and liquidity system 204 may not negotiate any of the termsof the loan opportunity and may only provide loan terms that areacceptable to property investment and liquidity system 204.

In step 216, an agreement is made between the property owner 202 and theproperty investment and liquidity system 204.

In step 218, the property investment and liquidity system 204 presentspictures of the property and information regarding the property and theloan opportunity to interested potential investors. All or a part of theproperty information may be provided, as well as financial informationregarding the purchase price of the property, existing debts and/orencumbrances, past prices for the property, and the like. Further theproperty investment and liquidity system 204 may provide investmentinformation including the amount of loan requested, the rate, expectedyield, duration of loan, and/or the like.

In some embodiments, the property investment and liquidity system 204may estimate or prepare hypothetical rates which may be provided to theproperty owner with a request of their interest in the opportunity. Theproperty owner may respond with their interest in the loan based on anestimated or hypothetical rate. The property investment and liquiditysystem 108 may indicate the property owner's interest as well as therates of interest. The property investment and liquidity system 108 mayestimate a rate for the property based on similar properties in thecommunity proximate to the property, based on the local economy, basedon the state of local real estate, based on new or moving businesses inthe area, based on natural disasters, based on property improvements,and/or the like.

In various embodiments, the property investment and liquidity system 204may provide an interface depicting any number of properties andinvestment opportunities to any number of potential investors. In oneexample, investors may utilize the communication network 112 tocommunicate with the property investment and liquidity system 204,review opportunities, and consider investment. In some embodiments, theproperty investment and liquidity system 204 provides a search interfacethat enables the investors to search for particular propertyopportunities (e.g., houses with 4 bedrooms or more, within a particularregion, built at or after a certain date and/or the like) and/or searchfor particular investment opportunities (e.g., an investment opportunityfor over or under a predetermined amount, for a particular loanduration, for under a particular loan duration, at or above a particularrate, at or above a particular yield, and/or the like).

Different investors may review the investment opportunity and conductresearch (e.g., independently and/or through the property investment andliquidity system 204) on the investment opportunity.

In one example for FIG. 2, the property owner 202 desires a $100 k loanusing his $500 k home as collateral. The home has an existing mortgagewith a current value of $200 k. The property owner may wish for a oneyear loan at a rate of 7.9%. Any number of investors may invest anyamount until the desired loan of $100 k is reached.

In step 220, a first investor 206 offers an investment of 65% of theloan. In this example, the first investor 206 offers an investment of$65 k. In step 222, a second investor 208 offers an investment of 30% ofthe loan or an investment of $30 k. In step 224, the third investor 210offers to complete the investment of 5% or $5 k. Each investor may beaware of any portion committed by another investor (although they may ormay not be aware of the investor's identity).

It may be appreciated that an investor may be an individual,institution, organization, or the like.

In step 226, once investors have committed investment of the full amountof the loan, the property investment and liquidity system 204facilitates the loan by creating the necessary documents, filing updatesto title, and/or the like. The property investment and liquidity system204 may contact the property owner 202 to inform them that the loan hasbeen funded and provide additional confirming loan information such asdate that the loan will be funded, duration of loan, dates for payment,and/or the like. Similarly, the property investment and liquidity system204 may contact each investor to inform them of similar information.

In step 228, the first investor 206, second investor 208, and thirdinvestor 210 each transfer funds to the property investment andliquidity system 204. In some embodiments, the property investment andliquidity system 204 does not receive the funds but rather the funds arereceived and/or held by a third-party such as a financial institution.

In step 230, the property investment and liquidity system 204 may retaina retention payment. The retention payment is further discussed herein.In some embodiments, the property investment and liquidity system 204may retain a first month payment of the loan at the inception of theloan in order to provide daily returns to the investors in the firstmonth of the loan. The retention payment may include fees for services,and/or the like as well.

In step 232, the property investment and liquidity system 204 providesthe loan proceeds (e.g., the funds without the retention payment) to theproperty owner 202.

FIG. 3 depicts a property investment and liquidity system 108 in someembodiments. The property investment and liquidity system 108 includes acommunication module 302, a property owner module 304, an opportunityassessment module 306, a publication module 308, an investor module 310,an investment module 312, a loan facilitation module 314, a periodicreturns module 316, a recalculation module 318, an exchange module 320,a document module 322, and a loan investment datastore 324.

The communication module 302 may be configured to communicate with anyof the home owner systems 104A through 104N, and in the investor systems106A through ION, and or optional financial institution 110 via thecommunication network 112. The communication module 302 may also enablecommunication between modules, the loan investment data store 324,external systems, external data stores, and/or the like.

The property owner module 304 may be configured to enable propertyowners to communicate with the property investment and liquidity system108, provide property information, provide loan information (e.g., suchas the amount of loan that they wish, the duration of the loan, rate ofthe loan, and the like), negotiate a loan opportunity with the propertyinvestment and liquidity system 108, research terms for similar loansfor similar properties, provide current financial information regardingthe property and/or the homeowner, sign agreements and representations,receive loan funds, provide payments, and/or the like.

The property owner module 304 is further discussed regarding FIG. 4.

The opportunity assessment module 306 may be configured to assess loanopportunities from the property owner, provide required rates, assessproperty information, assess loan information, determine fees (e.g.,retention payments), and/or the like. In various embodiments, theopportunity assessment module 306 is utilized to construct a loanopportunity for negotiation or for acceptance by the property ownerbased on the information provided by the property owner. Further, theopportunity assessment module 306 may construct a loan opportunity alsobased on similar properties, similar loans, historical data regardingthe homeowner, similar homeowners, risk categories, and/or the like.

The publication module 308 may be configured to provide graphical userinterfaces to receive information from the property owner, enablesearching of similar properties in similar loans to the property ownerand or investors, and provide listings of available loan opportunitiesas well as the properties that secure those loan opportunities. Invarious embodiments, the publication module 308 enables the propertyowner and or investors to search a database of properties and or loanopportunities for research on investments and/or to find investments toinvest in.

For example, the publication module 308 may provide a website orinformation to website that enables property owners and/or investors tosearch loan opportunities or established loans as well as propertiesthat back loan opportunities were established loans. The publicationmodule 308 may publish pictures, addresses, and information regardingthe property such as property values, values over time, locations of theproperty on a map, graphs regarding demographics and financialopportunity in the area, and the like. Example information published bythe publication module 308 is depicted in FIGS. 10-16.

The investor module 310 may be configured to enable investors toregister with the property investment and liquidity system 108, searchproperty and loan opportunities through graphical user interfacespublished by the publication module 308, investigate a dollar amountavailable in one or more loan opportunities for investment, researchyields and rates, review duration of possible loans, research property,and/or the like. The investor module 310 may be configured to enableinvestors to commit to investing in one or more loan opportunities byenabling them to review and sign agreements and make a financialtransaction that may ultimately be used to fund the loan.

The investment module 312 may be configured to perform real timeinvestment tracking including when investors invest in a loanopportunity, amount of investment, interest in additional investors foreach loan opportunity, and the like. In various embodiments, theinvestment module 312 tracks payments from the borrower in real time,payments from retention payment and money held in trust to investors,and overall balances.

The loan facilitation module 314 may be configured to facilitate receiptof funds to fund the loan, provide funds to the property owner, retainretention payments, enable returns to investors, track investors, and/orthe like. In some embodiments, the loan facilitation module 314 may beconfigured to communicate with one or more financial institutionsincluding, for example, a financial institution associated with theproperty owner, and financial institutions associated with one or moreinvestors.

The loan facilitation module 314 is further described in FIG. 5.

The returns module 316 may be configured to calculate daily returns foreach investor based on the loan amount, rates, duration of loan, numberof investors, percentage of loan that each investor funded, and/or thelike. In various about it is the loan facilitation module 314 mayutilize returns information from the returns module 316 to distributedaily returns to any number of investors regarding a particular loan.

The recalculation module 318 may be configured to recalculate dailyreturns based on receipt of the prepayment from the property owner. Forexample, a property owner may receive a loan for a particular some. Atsome point, the property owner may pay back a larger portion of the fundthan what was due at that particular time. The recalculation module 318and/or the returns module 316 may recalculate the daily returns for anynumber of investors based on the change in the outstanding loan amount.

The exchange module 320 may be configured to enable and investor to selltheir position and alone (e.g., all or part of their investment) to oneor more other investors. For example, an investor may have initiallyinvested 20% of the total loan amount in a particular loan opportunity.That investor may sell their full position to another investor inexchange for payment.

In various embodiments, the exchange module 320 may operate acentralized exchange that lists existing loans, positions of investors,price for the position of each investor that lists their loan with theexchange, and the like. In various embodiments, the exchange module 320may offer derivatives or ETFs based on investor's particular positions.For example, a financial vehicle may be created based on all or some ofa particular investor's particular investments, particular types ofproperties, particular types of loans, or the like. Pricing for listedexisting loans, investor investments, financial vehicles, and the likemay be based on a previous purchase or purchases of similar financialopportunities.

It may be appreciated that there may be any number of modules of theproperty investment and liquidity system 108. For example, there may bemore modules that perform all or more of the functions discussedregarding FIG. 3. In another example, there may be less modules thatperform all, less, or more of the functions discussed regarding FIG. 3.

FIG. 4 depicts an example, property owner module 304 in someembodiments. The property owner module 304 comprises a loan informationmodule 402, a title search module 404, a similar properties module 406,and a location module 408. The loan information module 402 is configuredto receive property information and loan proposal information from aproperty owner.

In various embodiments, a property owner may register with the propertyinvestment and liquidity system 108. The property owner may provideidentification information, property information, a password and thelike. The property investment and liquidity system 108 may confirmownership of the property (e.g., through a title search) and/or otherconfirming information.

The loan information module 402 may be configured to interact with aproperty owner regarding a particular property and/or loan opportunity.In one example, a property owner may communicate with the loaninformation module 402 of the property investment and liquidity system108 via communication network. The property owner may utilize anapplication or web browser to communicate with the property investmentand liquidity system 108.

The loan information module 402 may provide an interface such as agraphical user interface to the property owner requesting propertyinformation such as address of the property, last assessed value of theproperty, purchase price for the property, history of pricing for theproperty, features of the property, location of the property,improvements to the property, liabilities associate with the property,or the like. The loan information module 402 may further request in theinterface information regarding the borrower including, for example,legal name, birthdate, identification information (e.g., driver'slicense number, passport information, photographs of driver's license,photograph of passport pages), and the like.

The loan information module 402 may further request informationregarding the financial health the borrower including, for example,credit score, amount of debt, any existing encumbrances or liens on theproperty, income, income history of the borrower, income produced by theproperty, judgments against the property or the borrower, or otherinformation that may indicate financial risk or health of the borrower.

The title search module 404 may be configured to perform a title searchon the property in question to confirm ownership of the property, pastencumbrances of the property, blemishes of title, liabilities, or thelike. In some embodiments, the title search module 404 may be configuredto update titles of properties when loans are created.

The title search module 404 may be configured to receive addressinformation and/or any other information regarding the property inquestion. The title search module 404 may engage one or more titledatabases to retrieve information regarding the property including titlehistory, changes in ownership, and the like. In some embodiments, thetitle search module 404 may send email or other contact information totitle search companies to engage with searching and clearing title ofthese properties.

The similar properties module 406 may be configured to assist in thesearch of other similar properties. For example, the similar propertiesmodule 406 may be configured to search similar properties in specificlocations, similar locations, or the like. The similar properties module406 may highlight similarities between properties including pricing ofsimilar properties changes in value over time differences betweenproperties that may influence risk reward or the like.

The similar properties module 406 may utilize any number of publicdatabases to search for similar properties. For example, propertyinformation may include the type of property, number of rooms, squarefootage, year built, use of the property, size of lot, and otherfeatures may be utilized to formulate queries into property publicdatabases to retrieve information regarding properties that may besimilar for one or more of the above characteristics.

It may be appreciated that there may be any number of modules of theproperty owner module 304. For example, there may be more modules thatperform all or more of the functions discussed regarding FIG. 4. Inanother example, there may be less modules that perform all, less, ormore of the functions discussed regarding FIG. 4.

FIG. 5 is an example loan facilitation module 314 in some embodiments.The loan facilitation module 314 may include a payments range module502, a retention module 504, and an initial funding module 506. Thepayments range module 502 may be configured to create a loan payment andamortization schedule (e.g., calculated daily) for each investor.Because each day's payment is more or less the same as the previousday's, the borrower may pay every 30 days while the investor gets asmooth stream of daily payments.

The retention module 504 determines fees paid to the service as well asan initial retention payment that may be held in trust or escrow. Theretention payment may be held before the borrower receives the loanfunds. Daily payments to the investors may come from the retentionpayment (e.g., from trust or escrow). As daily payments are made, themoney from the retention payment is reduced. The borrower's firstpayment may go into the same trust or escrow used to store the retentionpayment. Thereafter, the money from the first payment may then be usedpay the investors daily returns until the borrower's next payment.

The initial funding module 506 may be configured to break down aninitial loan amount into shares (1 penny per share). Subsequent cashflowsplits may be based on an investors' ownership amounts. The initialfunding module may split principal payments every day for payment to thenearest penny rounded down. Interest payments may also be split everyday and paid out to the nearest penny rounded down.

In some embodiments, the initial funding module 506 may calculatechanges in loan payouts if the borrower makes an additional unscheduledpayment.

The payment process is further discussed herein.

It may be appreciated that there may be any number of modules of theloan facilitation module 314. For example, there may be more modulesthat perform all or more of the functions discussed regarding FIG. 5. Inanother example, there may be less modules that perform all, less, ormore of the functions discussed regarding FIG. 5.

FIG. 6 is a flowchart for paying returns to investors in someembodiments. In step 602, the loan facilitation module 314 may providefunding for the property owner's loan to the property owner 202. In thisexample, the property owner 202 may have interacted with the propertyowner module 304 to describe the property, provide property information,provide borrower information, and provide financial information for thedesired loan. The opportunity assessment module 306 may have assessedthe property and the terms of the potential loan. The opportunityassessment module 306 may further assist in negotiation with theproperty owner 202 and/or communication the property owner 202 to ensurethat the property owner 202 understands the risks and opportunitiesinvolved. In some embodiments, the opportunity assessment module 306and/or the title search module 404 of the property owner module 304 mayperform a title search of the property, confirm debts or encumbrancesrelated to the property, assess the quality and value of the property,and/or the like.

If the property owner 202 accepts the loan terms the property ownermodule 304 may generate forms or documents to create the loanopportunity. In some embodiments, the property owner module 304retrieves one or more agreement templates and populates fields of theagreement templates based on the property information, borrowerinformation, amount of loan requested, duration of loan, rates, and/orthe like. The property owner module 304 may provide the documentselectronically to the property owner 202 to enable the property owner202 to review the documents, ask any questions, and the like. Theproperty owner 202 may, in some embodiments, physically or digitallysign the documents and return the documents electronically back to theproperty owner module 304 which may save them in the document module 322or the loan investment data store 324.

Further, in this example, the publication module 308 may publish detailsof the property that backs the loan (e.g., address, location, value,characteristics of the property, and the like), loan information (e.g.,rates, amount requested, duration of loan), borrower information (e.g.,borrower name, credit risk, and/or signed documents), and the like. Thepublication module 308 may enable investors to review multiple differentproperties and flip through various cards related to properties and loanopportunities to search for desirable potential opportunities.

In this example, the first investor 206 may have invested 40% of theloan, the second investor 208 may have invested 35% of the loan and thethird investor 210 may have invested 25% of the loan. Once funds havetransferred from the investors to the property investment and liquiditysystem 204, the loan facilitation module 314 may take out a retentionpayment from the funds provided from the investors. All or some of theretention payment may be stored in trust or escrow and used to pay dailyreturns back to the first, second, and third investors 206 through 210.

It will be appreciated that, in some embodiments, the investment module312 or the loan facilitation module 314 may calculate the total value ofthe loan to provide to the borrower as well as the retention paymentnecessary to pay the investors during a first pay period before theproperty owner 202 has provided the first payment. The propertyinvestment and liquidity system 204 may then publish an amount of therequested loan which includes the amount of the loan desired by theproperty owner 202 as well as the retention payment.

In step 602, the loan facilitation module 314 provides the desired loanamount to the property owner 202. In various embodiments, the loanfacilitation module 314 may provide the desired loan amount to afinancial institution of the property owner 202 or generate a check tobe mailed to the property owner 202.

In step 604, the returns module 316 may provide the first day dailyreturns to the first investor 206. Similarly, in step 606, the returnsmodule 316 may provide the first day daily returns to the secondinvestor 208. In step 608, the returns module 316 may provide the firstday daily returns to the third investor 210. The amount of the returnfor each investor may be based on the percentage of the loan that theinvestors invested.

In step 610, periodic payments are paid from the property owner 202 tothe property investment and liquidity system 204. In some embodiments,the property owner 202 orders their financial institution to provideperiodic payments to the property investment and liquidity system 204.The periodic payments may be based on any period, but may be, morecommonly, at 30 day periods. As discussed herein, the propertyinvestment and liquidity system 204 may provide returns to the investorson a daily basis in spite of the periodic nature of the payments fromthe property owner 202.

FIG. 22 depicts a spreadsheet for a calculation of a loan setup as anexample. In this example, the target net loan amount of $10,000. Thetotal amount of the loan is calculated to be $10,530.59 with a retentionpayment of $530.60 for net loan amount of $9999.99 (that would go to theborrower). The duration of the loan is determined to be one year (e.g.,365 days). Amortization of the loan is calculated for two years with anannual interest rate of 5% in a daily rate of 0.014% for each day of 365days. As a result, the payment per day (e.g., return for one share ofthe loan) is calculated to be 15.16 cents. In upfront escrow for thebuffer would be 35 payments.

The property investment and liquidity system 108 calculates the fullvalue of the loan (e.g., desired amount by the borrow and the retentionpayment) using:

${PV} = \frac{{FV}_{1}}{\left( {1 - {\left( \frac{r}{1 - \left( {1 + r} \right)^{- n}} \right)*t}} \right)}$

Where “PV” is the loan amount, “FV1” is the amount the borrower needs,“r” is the interest rate, “t” is the number of days (e.g., ranging 30-35days for the retention payment), an “n” may be a term of amortizationmeasured in days.

FIG. 23 depicts a spreadsheet for payments over the life of the loan inan example. The loan in FIG. 22 is the same as the loan in FIG. 21. FIG.22 shows 14 escrow periods starting from period zero and ending inperiod 13. The initial escrow is $530.60. The borrower makes payments tothe property investment and liquidity system 108 in periods 1 through13.

In the period 0 until period 1, the property investment and liquiditysystem 108 pays daily returns to the investors from the initial escrowfunded by the retention payment. The first payment is received by theborrower on period 1 (e.g., thirty days). In this example, the borrowermakes a payment of $453.08 but also makes an additional payment of$575.52. The property investment and liquidity system 108 puts all orsome of the payment of $453.08 in trust/escrow which is then used tofund daily returns to the investors. The additional payment may bedistributed to the investors as a one-time lump sum. The propertyinvestment and liquidity system 108 may recalculate payments and/ordaily return payments based on the early payment. In some embodiments,early payment does not shorten the duration of the loan, but rather mayreduce the monthly payment of the borrower, reduce any balloon paymentat the end of the loan, and/or change the daily returns to the investors(e.g., since they already received their portion of the lump sumpayment).

Similar to period 1, in period 2 (e.g., day 60), the borrower pays$428.13 and makes an additional prepayment of $556.70. The propertyinvestment and liquidity system 108 puts all or some of the payment of$428.13 in trust/escrow which is then used to fund daily returns to theinvestors. The additional payment may be distributed to the investors asa one-time lump sum. The property investment and liquidity system 108may recalculate payments and/or daily return payments based on the earlypayment.

For periods 3-12, the borrower continues to make payments on time and inthe last period (period 13), the borrower makes a final payment as wellas a balloon payment to the property investment and liquidity system108. The funds are distributed to the investors and the loan may besatisfied. In various embodiments, the property investment and liquiditysystem 108 may provide a certificate or other documentation to confirmthat the loan is satisfied, may contact financial institutions andcredit rating agencies regarding the satisfaction of the loan, mayconfirm the end of the loan with investors, and may make notices ofsatisfaction of the loan on titles or other real estate services.

Returning to FIG. 6, daily returns continue to be paid from the periodicpayments of the property owner 202.

In step 612, the borrower may make an advance prepayment (e.g., inaddition to the periodic payment). The recalculation module 318 mayrecalculate the amount of periodic payments moving forward for theborrower as well as the amount of daily returns to the investors. Thereturns module 316 may distribute all or parts of the prepayment to eachof the investors based on the percentage of investment of the loan thatthat particular investor makes.

In steps 614-618, the returns module 316 provides updated daily returnsto the first investor 206, the second investor 208, and the thirdinvestor 210, respectively.

In step 620, the third investor 210 determines to sell their portion ofthe investment in the existing loan to second investor 208. It may beappreciated that an investor may sell all or part of their investment toanother investor that is already investing in the same loan or to adifferent investor that has not previously funded a part of theparticular loan.

In some embodiments, the third investor 210 may choose to list theirinvestment in the particular loan using an exchange or throughpublication of the publication module 308. In this example, the secondinvestor may have been looking for an opportunity to make additionalinvestments into the loan for this particular property and, in searchingpublications from the publication module 308 using a search query, thesecond investor 208 may discover the investment opportunity from thirdinvestor 210, and make the purchase.

The property investment and liquidity system 108 is still the center ofthe system and, as a result, can match the two investors together andfurther control investments calculations and returns while preventingunknown or untrusted other parties that can be a problem withdecentralized systems.

In another example, the second investor 208 may desire to increase theirinvestment in a particular property. In this example, the secondinvestor 208 may publish an offer to purchase all or part of theinvestment of another investor in the property. Alternately, the secondinvestor 208 may reach out to the third investor 210 to discussacquiring all or part of the third investor's position in the loan.

In one example, a property owner may seek a loan secured by theirresidential property. The property owner may reach out to the propertyinvestment and liquidity system 108 to seek a loan. The propertyinvestment and liquidity system 108 may come to an agreement of termsregarding the loan and then publish the loan for individual, and remoteinvestors to select the loan opportunity for investing. Once there issufficient investment committed to service the loan, an operator (i.e.,an entity) of the property investment and liquidity system 108 may enterinto an agreement with the property owner. The property investment andliquidity system 108 and/or the operator may register the loan with thecounty registrar. In this example, the entity that operates or workswith the property investment and liquidity system 108 is the registeredentity that holds the property lien. The property investment andliquidity system 108 may facilitate funds from the investors to fund theloan and provide the loan to the property owner. Subsequently, theproperty investment and liquidity system 108 facilitates daily returnsto the investors.

In various embodiments, the investor with the largest stake in the loanmay have additional rights under the agreement(s) through the propertyinvestment and liquidity system 108. In one example, if there is adefault on the loan and the property becomes available in satisfactionof the loan (i.e., a foreclosure), the investor with the largest stake(e.g., the largest invested amount in the loan) may receive or have theopportunity to purchase the property. This may incentivize an investorto increase their investment in order to be in a position to receive adesirable property and/or control negotiation. In this example, thesecond investor 208 may become the largest investor once the investmentfrom the third investor 210 is purchased.

In one example of a foreclosure, an entity associated with or operatingthe property investment and liquidity system 108 may come to anagreement of terms regarding the loan and then publish the loan forindividual, and remote investors to select the loan opportunity forinvesting. Once there is sufficient investment committed to service theloan, an operator (i.e., an entity) of the property investment andliquidity system 108 may enter into an agreement with the propertyowner. The property investment and liquidity system 108 and/or theoperator may register the loan with the county registrar. In thisexample, the entity that operates or works with the property investmentand liquidity system 108 is the registered entity that holds theproperty lien. If there is a default, the entity may negotiate to workout an arrangement between the property owner and the investors.

Additionally or alternatively, the investors may negotiate with theproperty owner. Traditionally, a bank that may foreclose on a loan maybe restricted to communicate with the debtor by registered mail. In thisexample, the property investment and liquidity system 108 may create asecured chat or other digital communication. The property investment andliquidity system 108 may require the property owner and each investor tolog into the system and/or provide credentials to confirm theiridentity. The property investment and liquidity system 108 may log allinformation of the secured chat and/or other digital communicationincluding communications. The property investment and liquidity system108 may also encrypt and/or create checksums of the conversation toconfirm that the chat and/or other digital communication cannot be lateraltered. The logged and secured communication can then provide afoundation for security and confirmation of agreement between theparties.

The property investment and liquidity system 108 may change the terms ofthe loan, payouts, and/or the like based on the agreement (if any)between the parties. In some embodiments, if the property enters intoforeclosure, the entity operating or associated with the propertyinvestment and liquidity system 108 may foreclose the property andbecome the owner of the property. The entity may then work with theinvestor with the largest investment position to either transferownership of the property or come to another resolution. The investorwith the largest investment position may be incentivized to purchase theinvestment positions of the other investors so that they can own theproperty free and clear of other encumbrances.

In this way, it may be appreciated that the entity can contractuallycontrol the negotiation and ultimate resolution of a default throughagreements with the property owner and investors.

Investors who do not have the largest investment within a property maystill, in some cases, receive a return if the property is forfeit. Forexample, the investor that receives the property may provide somesatisfaction of past investments with other investors based on the valueof the property, insurance, and/or the like.

In step 622, the second investor 208 makes a purchase of the thirdinvestor's investment. Certificates of the investment, documentsdocumenting the investment, tracking of their investment may beperformed by the property investment and liquidity system 204 which mayprovide a complete picture of the loans, loan performance, investorpositions, financials, and/or the like. Money from the second investor2084 the investment of the third investor 210 may be provided to theproperty investment and liquidity system 204 which may then relay thosefunds to the third investor 210. The investment module 312 may updaterules and tracking to ensure that updated daily returns in steps 624 and626 are provided to the first investor 206 and the second investor 208,respectively.

FIG. 7 is a method for a property owner to create a loan opportunity. Instep 702, the property investment and liquidity system 108 receives aregistration request from the property owner. The property investmentand liquidity system 108 may authenticate the identity of the propertyowner by receiving personal information, financial information (e.g.,banking information), and confirming/authenticating the informationagainst public, private, or government databases (e.g., with one or morefinancial institutions where the property owner banks).

In step 704, the property owner may provide the property investment andliquidity system 108 information regarding the property that will becollateral for the loan (e.g., address, features, value of the home,proof of ownership), amount the property owner seeks as a loan, andduration of the loan.

In step 706, the property owner may provide the property investment andliquidity system 108 information regarding the loan (e.g., financialinformation) that they desire including, for example, desired amount,desired rate, duration, and the like.

In step 708, the property investment and liquidity system 108 mayevaluate value of the property based on the property information,purchase price, any debts or encumbrances against the property,ownership interest (e.g., amount of ownership), other claims (e.g.,judgments, life estates, or the like), purchase history, the economy,prices of similar homes, the market for homes, and/or the like. Suchinformation may be collected from any number of databases (e.g.,newspapers, assessor's offices, real estate websites, title offices,and/or the like).

In step 710, the property investment and liquidity system 108 maydetermine risk and opportunity of loan as well as retention payment. Forexample, the property investment and liquidity system 108 may determinea loan amount that meets the borrower's needs and covers a retentionpayment (e.g., a fee for the service and/or a first month's interestpayments to investors). The retention payment may include an upfrontpayment to cover a range of thirty to thirty five days of dailypayments.

In step 712, the property investment and liquidity system 108 mayretrieve one or more loan agreement templates from the documents module322 and populate fields with property information, financialinformation, borrower information, and/or other terms and conditions.The property investment and liquidity system 108 may provide theagreements to the property owner for their review, negotiation, and/orsigning.

In step 714, after the signed documents are received (e.g., the signeddocuments may be digitally signed), the property investment andliquidity system 108 may publish the loan opportunity with other loanopportunities to potential investors.

FIG. 8 depicts a method for an investor to find, investigate, and committo one or more loan opportunities in some embodiments. In step 802, theinvestor may log into an account on the property investment andliquidity system 108 and search for loan opportunities. It may beappreciated that the investor may search for loan opportunities based onaddress, amount of investment available for the opportunity, rate,and/or the like. In one example, the investor may utilize a dynamicgraphical user interface such as that depicted in FIG. 10 to researchopportunities.

FIG. 10 is a dynamic graphical user interface (GUI) 1000 for an investoron an investor's digital device. The GUI 1000 may be depicted in anapplication on an investor's digital device (e.g., such as asmartphone). All or some of the information depicted in the GUI 1000 maybe provided by the property investment and liquidity system 108.

Based on a query, an investor may view one or more properties and/orloan opportunities in a single interface when multiple interfaces. Theinformation that populates interface may be provided by the publicationmodule 308 of the property investment and liquidity system 108

In the example of FIG. 10, the investor may view multiple propertiesincluding, for example, opportunity 1002 and opportunity 1004. Inopportunity 1002, the graphical user interface indicates the address ofthe property that is collateral for the loan, and amount of loanrequested as well as an amount of loan still available for investment,the yield, duration, LTV, and style of house. Similarly, in opportunity1004, the graphical user interface provides similar information fordifferent property and different loan opportunity.

It may be appreciated that an investor may review any number ofopportunities and properties using any combination of criteria. In someembodiments, the investor may identify preferred properties byindicating or flagging them as favorites or preferred opportunities sothat they can be reviewed later.

In step 804, the investor may select a property from the interface to dofurther research on the investment opportunity. Further research on theinvestment opportunity may include, but is not limited to, an investmentcalculator, capital stack, historical value, and equity cushion.

In one example, the investor may utilize a dynamic graphical userinterface such as that depicted in FIG. 11 to research properties andparticular loan opportunities.

FIG. 11 is an investor dynamic graphical user interface (GUI) 1100 foran investor on an investor's digital device. All or some of theinformation depicted in the GUI 1100 may be provided by the propertyinvestment and liquidity system 108. The investor dynamic GUI 1100 mayinclude three tabs including, for example, an investment tab, a property(e.g., home) tab, and a borrower tab.

The investment calculator depicted in GUI 1100 may enable an investor toselect different investment amounts and calculated total return, amonthly return, annual interest rate. The investment calculator mayfurther include a duration of the loan, an optional loan purpose (e.g.,to fix or flip the property), and the like.

In various embodiments, an investor may slide and indicator along apredefined graphical object such as a line to input different amounts ofpotential investment. In GUI 1100, an investor may utilize the slide toindicate a potential investment of $1200. As the slide position alongthe graphical object changes, the potential amount investment maychange, and calculations may change in the GUI 1100. For investment of$1200, the investment calculator may show a $257.28 total return and$21.44 monthly return.

The capital stack portion of the GUI 1100 indicates an amount of equityin the property and an amount of debt in the property. In someembodiments, the GUI 1100 indicates an amount of debt in the propertyassuming the current loan is fully invested (e.g., one or more investorsfund the full amount of the proposed loan). The capital stack mayindicate the amount of equity in the property, the proposed loan in theproperty assuming it is fully invested, and or any other loans on theproperty.

The historical value portion of the GUI 1100 indicates a currentproperty value as well as a historical value of the property. In someembodiments, the loan facilitation module 314 calculates an estimatedvalue of the property in the future based on property trends, similarproperties in the area, and/or the like.

The equity cushion portion of the GUI 1100 indicates an amount of equityin the property and may, optionally, provide a simulation or simulationresults of a potential recession. In the example, GUI 1100 displaysresults of the 2008 recession to indicate what the equity cushion maylook like over time. The graph is provided in GUI 1100 to indicate anamount of equity cushion over time or lack thereof. There also may be anindication of the last recession, in this example the recession of 2008,and indicate values of similar properties in similar areas during thattime.

In step 806, the investor may opt do further research on the propertyrelated to the investment opportunity. Further research on the propertyrelated to the investment opportunity may include, but is not limitedto, property statistics, links to documents related to the property, amap, graphs of appreciation in value of similar properties, and/or jobprospects in the area.

In one example, the investor may utilize a dynamic graphical userinterface such as that depicted in FIG. 12 to research properties.

FIG. 12 is an investor dynamic graphical user interface (GUI) 1200 foran investor to research a property on an investor's digital device. Allor some of the information depicted in the GUI 1200 may be provided bythe property investment and liquidity system 108. The investor dynamicGUI 1200 may be a property tab.

The property statistics portion of the GUI 1200 depicts a value of theproperty, a price per square foot of the property, lot size, schooltotal square foot of the property, and attributes of the property (e.g.,number of beds and number of bathrooms). It may be appreciated that anyamount of information regarding attributes of the property, its value,aspects of the property that contribute to the value, and/or the likemay be depicted.

The documents portion of the GUI 1200 may include links to variousdocuments including appraisals, project overview, the statement of workfor past work, property profiles, representations of the property owner,details of title search, documents related to other debts related to theproperty, and/or the like. In some embodiments, investor may tap orinteract with the document link to retrieve the document from theproperty investment and liquidity system 108. The investor's digitaldevice may depict the document to enable the investor to review and readthe document. Once the document has been reviewed to the investorsatisfaction, the investor may close the document, and, in someembodiments, return to the GUI 1200.

The map may show a location of the property and the surrounding areas.In the example of GUI 1200, a map of San Francisco and ZIP Code isincluded. In some embodiments, the mat may be linked to other maps inapplications or on websites. An investor may interact with the map inGUI 1200 to navigate to a map and an application or website for furtherview.

The portion of graphs of appreciation in value of similar properties ofthe GUI 1200 may indicate an average value index for the US, averagevalue index for region, and/or the like. In GUI 1200, an example ofaverage housing appreciation is shown in the US generally and in theregion of the location of the property in question. This portion furthermay show, for similar properties in the US and or the region, a medianage of the property, and median price of the property, appreciation overpredefined durations (e.g., 12 months, five years, 10 years), propertytax rate, homes owned, vacancy rate, homes rented, and/or the like.

The jobs portion of the GUI 1200 may indicate jobs and income levels forthe region where the property is located, a city where the property islocated, county where the property is located, the state where theproperty is located, and/or the United States. A graph may be depictedindicating a change in jobs and salaries over time for differentgeographical areas. In some embodiments, the jobs portion includesincome per capita, a household income, unemployment, and job growth toenable the investor to consider other aspects that may influence thevalue of the property.

In step 808, the investor may opt to do further research regarding theborrower of the investment opportunity. The borrower may provide all orpart of their information. In one example, the investor may review theborrower's income, income type, assets, credit score, education,existing debt, related documents of the financial health of the borrowerand or the like.

FIG. 13 is an investor dynamic graphical user interface (GUI) 1300 foran investor to research a potential borrower on an investor's digitaldevice. All or some of the information depicted in the GUI 1300 may beprovided by the property investment and liquidity system 108. Theinvestor dynamic GUI 1300 may be a borrower tab. The GUI 1300 mayinclude a borrower portion and a documents portion.

The borrower portion of the GUI 1300 may depict various informationabout the borrower and the borrower's financial health. An example ofGUI 1300, information presented includes age, income, income type,assets, credit scores, and debt. In some embodiments education andmarital status may also be shown. It will be appreciated that similar,more, or less information may be provided to the potential investor. Invarious embodiments, the borrower may choose how much information ofthemselves they wish to share with potential investors.

The documents portion of the GUI 1300 may include links to creditreports, pay stubs, bank statements, and/or the like. There may be anynumber of links to any number of documents that may assist the potentialinvestor in reviewing the risks and rewards of the opportunities.

In step 810, the investor may choose to invest in a loan opportunity. Inone example, at the bottom of the GUI 1100, GUI 1200, and GUI 1300,there may be an interactive button or link to enable an investor topursue a loan opportunity (e.g., a graphical object with the word investdisplayed).

In some embodiments, once the investor chooses to potentially invest ina loan opportunity, the graphical user interface may depict investorinformation requesting whether the investor is an accredited investor.In some embodiments, the question to the investor as to whether they arean accredited investor is a requirement. In one example, an interfacemay be presented asking whether the investor falls under differentcategories of being an accredited investor according to the Security andExchange Commission (SEC). In one example, the investor may select acategory indicating that the investor earns “more than $200,000 peryear” or “earns more than $300,000 per year with a spouse.” The investormay also be required to select a category indicating that their incomehas “been consistent for the past two years and I can reasonably expectthe same level of income going forward.” Alternately, the investor mayselect a different category indicating that they have “a net worthexceeding $1 million either individually or jointly, excluding the valueof [the investor's] primary residence.”

FIG. 14 is an investor dynamic graphical interface (GUI) 1400 requestinginformation regarding whether the investor is an accredited investor.

The investor's representations as to whether they are an accreditedinvestor may be saved and stored by the property investment andliquidity system 108 as the property investment and liquidity system 108creates records for the potential investment. These records may beaudited or reviewed by the SEC or other parties with legal rights toaccess that information.

If the investor is not an accredited investor and/or indicates that theyare not an accredited investor, the property investment and liquiditysystem 108 may indicate that the investor is not allowed to makeinvestments using the system.

If the investor represents that they are an accredited investor, theprocess may continue to step 812. In step 812, investor may choose theirstake size to invest in the loan opportunity.

FIG. 15 is an investor dynamic graphical interface (GUI) 1500 that maybe depicted in the application of the investor that enables the investorto determine an amount of investment in the loan opportunity. There maybe a slider that may be moved along a graphical object to enables theinvestor to change an amount to invest. Alternatively, there may be afield to enter an investment amount.

In some embodiments, the GUI 1500 may include an interactive graphicthat indicates how much of the loan opportunity is invested oruninvested. For example, a property graphic may be depicted that fillswith color or has another indication. Any unfilled portion of theproperty graphic may indicate a relative amount of the loan opportunitythat remains uninvested.

The GUI 1500 may also include similar calculations based on a selectedamount of investment including, for example, an approximate totalreturn, approximate monthly return, and approximate daily return. TheGUI 1500 may have other information regarding the loan opportunityincluding, for example, annual interest rate (e.g., APR), and duration.

FIG. 9 is a flow chart for a method for investing in some embodiments.After an investor determines to make an investment, the propertyinvestment and liquidity system 108 may create one or more legaldocuments to create or support the financial instrument. In variousembodiments, the property investment and liquidity system 108 may have avariety of document templates that may be modified based on the loaninformation, property information, amount of investment, and the like.The property investment and liquidity system 108 may create thedocuments and populate the necessary information for review andsignature by the investor.

Optionally, the property investment and liquidity system 108 may presentto the investor in opportunity to add principal protection insurance. Inone example, principal protection insurance may enable an investor toensure against the possibility of the loan defaults (e.g., that theywill receive their full principal back as well as an opportunity to selltheir investment back to the property investment and liquidity system108 at any time). The investor may provide a principal protection fee inexchange for the service. In one example, the principal protection feemay be 1% of the total loan amount or the investor's portion of theirparticular investment.

In some embodiments, a GUI is presented through the investor'ssmartphone to request whether they would like principal protectioninsurance. The GUI may depict a total investment selected by theinvestor, an annual interest rate, a daily return, an approximate totalreturn, an approximate monthly return, duration of the investment, aswell as other information regarding the value of principal protectioninsurance.

Once an investor chooses to invest in a loan opportunity, the propertyinvestment and liquidity system 108 may calculate interest at aparticular time daily (e.g., midnight Pacific Standard Time daily). Adaily interest may be provided to the investor (assuming the full loanhas been invested) following a 24 hour period. For example, if theinvestor made an investment at 3 PM on Tuesday, they may start receivinginterest at 12 AM on Thursday. Interest may be calculated based on theinvestment amount of the investor at midnight medically amount still inthe processing period.

In step 902, the investor may make a selection to receive a loaninvestment agreement. The loan investment agreement may be created bythe property investment and liquidity system 108 from a template andpopulating relevant information regarding the loan opportunity andinvestment information related to the investor's chosen investment.

The loan investment agreement may indicate the address, borrower,investor, amount to be invested, rate, duration of loan, address ofproperty, agreement regarding retention payment (discussed herein),and/or the like. In some embodiments, the loan investment agreement mayinclude a representation of the investor that they are an accreditedinvestor.

In step 904, the investor may choose to sign the loan investmentagreement. In various embodiments, the application on the investor'sdigital device requires the investor to review the entire documentand/or may wait a period of time to encourage the investor to carefullyreview the document. In some embodiments, the application on theinvestor's digital device may not allow the investor to sign thedocument until the entire document has been viewed and/or a period oftime has passed for the investor to review.

The application on the investor's digital device may enable the investorto sign the document directly through the interface (e.g., using theirfinger). In some embodiments, the application on the investor's digitaldevice utilizes digital signatures such as Docusign and/or credentials(e.g., encryption keys and the like) that may be authorized by theproperty investment and liquidity system 108 and/or a trustedthird-party.

FIG. 16 depicts an example final confirmation of a loan investmentagreement in some embodiments. After the investor has reviewed the loaninvestment agreement, the GUI 1600 may depict a final confirmation,including a total amount of investment, a confirmation that theyinvestor wishes to invest the amount of the investment, the APR, and theduration of the investment.

In some embodiments, the investor can sell the investment before thefull duration of the investment (e.g., at any time or at one or morespecific times).

It will be appreciated that the investment may be active once the loanis funded. After the loan is funded, the investor may start to receive areturn (e.g., interest) at midnight after a full 24 hour ownershipperiod.

In step 906, the investor may be requested to complete an investorprofile. It may be appreciated that the investor may be requested tocomplete the investor profile at any time including, for example, beforelooking for investment opportunities, before committing to aninvestment, after committing to an investment, and/or the like.

In some embodiments, the investor profile may require the investor toindicate a country they are investing from, income over one or moreyears (e.g., 2017 income, 2018 income, expected 2019 income, and thelike), and net worth. The investor profile may require the investor toprovide their residence address as well as state of residence, andcontact information.

In step 908, the property investment and liquidity system 108 orapplication on the investor's digital device may require the investor toprovide a photograph of their passport, driver's license, or otheridentification information. In some embodiments, the property investmentand liquidity system 108 may utilize government and/or financialdatabases to confirm identification information. For example, if aninvestor provides passport information including for example, a pictureof their passport information, the property investment and liquiditysystem 108 may confirm or authenticate the name in the passport, date ofbirth, place of birth, date of issue, date of expiration, picture,and/or the like.

In step 910, the property investment and liquidity system 108 mayauthenticate the identification information by confirming theinformation provided by the investor against information fromgovernment, private, and public databases (e.g., terrorist and criminaldatabases). If one or more elements of the investor's identificationinformation fail to be confirmed as authentic, the property investmentand liquidity system 108 may require additional information or deny theinvestor the investment opportunity.

In step 912, the property investment and liquidity system 108 mayoptionally provide the investor a graphic of a certificate and/or adigitally signed certificate regarding their investment.

In various embodiments, the property investment and liquidity system 108may store information from the investor including photographs ofidentification information, personal information provided by theinvestor, and signed documents in order to create a record of the loanopportunity and the investor's investment. This information may berequired in audits and in tracking the investors' investments.

FIG. 17 is a flowchart for an investor to sell their investment toanother investor in some embodiments. In step 1702, the investor mayutilize their application on their digital device to view theircurrently invested investment opportunities. The application on theirdigital device may include a graphical user interface indicating theirinvestments, total return, monthly return, and/or the like.

FIG. 18 is a dynamic graphical user interface (GUI) 1800 for an investorthat enables the investor to buy the investments of the particular loanopportunity of other investors or sell all or part of their investmentsof the particular loan opportunity. The GUI 1800 provides an opportunityfor the investor to seek to invest more in the particular loanopportunity (e.g., by seeking to buy all or part of loan investments forthe particular loan opportunity from other investors) or to seek sellall or part of their investment to other investors.

In step 1704, the investor may indicate how much of their investmentthey would like to sell to another investor.

FIG. 19 is a dynamic graphical user interface (GUI) 1900 for an investorthat enables the investor to sell all or part of their investments. TheGUI 1900 may indicate the investor's total investment in the loanopportunity, and enable selection of an amount of the investmentopportunity they wish to sell. In one example, there may be a sliderthat can be moved along a graphical object that enables the investor tochoose the amount of their investment they wish to sell. Alternately oradditionally, there may be an opportunity for the investor to manuallyinput a number indicating the amount of the investment they wish tosell. The GUI 1900 may dynamically calculate how much of the investmentremains (if any), total return, and monthly return.

In step 1606, the investor may have the opportunity to review theresults of their selling decisions. The property investment andliquidity system 108 may create a final confirmation document for theinvestor's review to enable the investor to be informed of theirdecision. The final confirmation document may be a template populated byinformation from the investor (e.g., from information provided to theGUI 1800).

FIG. 20 is a dynamic graphical user interface (GUI) 2000 to confirm theinvestor's intention to sell their investment. In GUI 2000, an amount ofthe investment to be sold is depicted as well as the address of theproperty and the rate. During 2000 further allows the investor to signthe document using a finger or other digital means.

Although various figures depict digital signing of documents, will beappreciated that it one or more documents may be printed, physicallysigned, and provided back to the property investment and liquiditysystem 108.

In step 1608, the investor may sign the confirmation document. After apredetermined processing period, the amount of investment that theinvestor wishes to sale may be put up for sale to other investors.

The property investment and liquidity system 108 may provide aninterface that enables investors to search for investments in existing,funded loan opportunities for additional investment and greater returns.The property investment and liquidity system 108 may provide queryfields to enable different investors to search for existing, funded loanopportunities using loan information, addresses, names of investors,names of borrowers, and/or the like.

FIG. 21 is a method for determining daily payments in some embodiments.In various embodiments, the property investment and liquidity system 108will calculate the daily payments once: (1) a loan opportunity is fullyfunded by any number of investors, (2) when an investor sells all orpart of the investment, and (3) when the borrower (e.g., property owner)prepays a portion of their loan early.

In step 2102, the property investment and liquidity system 108determines daily payments. In various embodiments, the propertyinvestment and liquidity system 108 creates a loan payment andamortization schedule (calculated daily) for the investors. The borrowermay pay their loan every thirty days and because each day's payments aregenerally the same as the previous days, the borrower sees smoothpayments every thirty days while the investors receive a smooth streamof daily payments. The daily payment calculation may be made at the timethe loan opportunity is funded and/or at any time.

In step 2104, the property investment and liquidity system 108 receivesa retention payment from the funds transferred from the investors. Instep 2106, all or part of the retention payment may be placed in trustor escrow. The retention payment that is placed in trust or escrow maybe used to pay the daily returns to the investors, at least until thefirst loan payment is received from the borrower.

In step 2106, the property investment and liquidity system 108 providesthe remaining funds from the investors to the borrower (e.g., propertyowner).

In step 2108, the property investment and liquidity system 108 may paydaily return payments to the investors from the retention payment thatwas placed in trust or escrow. As a result, the investors receive dailyinterest payments a month (or so) before the borrower provides theirfirst payment. As the amount in trust or escrow is drawn down, then anew payment is received from the borrower.

In step 2110, the property investment and liquidity system 108 receivesa monthly payment from the borrower. In step 2112, the propertyinvestment and liquidity system 108 places the monthly payment in trustor escrow.

In step 2114, the property investment and liquidity system 108 makesdaily return payments to the investors and the amount in trust or escrowis drawn down until the next payment.

In some embodiments, principal payments may be split and paid out to thenearest penny rounded down to the investors based on the amount of theirinvestment. In various embodiments, payments are split amongst theinvestors based on the percent of their investment and paid to thenearest penny rounded down. In various embodiments, any fractionalamounts left are then allocated to the respective share owners. Once aninvestor builds up fractional amounts to a whole penny, then the pennymay be paid out.

In various embodiments, interest payments may be split and paid out tothe nearest penny rounded down to the investors based on the amount oftheir investment. In various embodiments, any fractional amounts leftare then allocated to the respective share owners. Once an investorbuilds up fractional amounts to a whole penny, then the penny may bepaid out. In some embodiments, fractional amounts of interest left arecollected by the owner or operator of the property investment andliquidity system 108 as a part of the payment for the services.

In step 2112, the property investment and liquidity system 108 tracksthe daily obligation for the borrower and tracks payments to investors.

In step 2114, the property investment and liquidity system 108 receivesa prepayment from the borrower. The prepayment is more than what isimmediately due for the loan obligations. The property investment andliquidity system 108 may divide all or part of the prepayment to theinvestors, based on the percentage of investment.

In step 2116, the property investment and liquidity system 108 mayrecalculate daily returns for the investors after the prepayment isreceived from the borrower. Once the prepayment is divided amongst theinventors, the daily returns and/or monthly amounts due from theborrower may change. The loan duration and rate may be maintained and,as a result, the amount of the monthly payment from the borrower anddaily return may decrease.

In one example, if the current loan balance is $1000 and has $10 ofprincipal accrued with $8 of interest accrued, and the borrower pays anunscheduled payment of $20, the $20 will be used to settle the $10 and$8 accrued with the remaining two dollars used to pay down the loanbalance. The resulting loan balance at the end of the day will be, inthis example, $998.

In step 2118, the property investment and liquidity system 108 pays outthe new daily returns to the investors.

In step 2120, the property investment and liquidity system 108 pays thefinal payment to the investors. In some embodiments, a final payment onthe loan may be split like regular principal. Further, the owner oroperator of the property investment and liquidity system 108 may ensurethat all pennies are paid out/made whole so that the original principallent equals the total principal paid back.

While FIGS. 10 through 18 depict various example graphical userinterfaces, it may be appreciated that any graphical user interface mayprovide information to the investor and enable the investor to makeresearch investment choices. Another graphical user interface may beutilized which may include similar, different, or rearrangedinformation. Similarly, the layout of the information may be differentin different GUIs, and functionality (e.g., tabs, buttons, sliders,input fields and/or the like) may be different in different GUIs.

Further, information provided to investors, as depicted in FIGS. 10through 18, may be calculated and provided by the property investmentand liquidity system 108, on an investor smartphone (e.g., through anapplication on the investor's digital device), or a combination of both.

FIG. 24 depicts a block diagram of an example digital device 2400according to some embodiments. Digital device 2400 is shown in the formof a general-purpose computing device. Digital device 2400 includesprocessor 2402, RAM 2404, communication interface 2406, input/outputdevice 2408, storage 2410, and a system bus 2412 that couples varioussystem components including storage 2410 to processor 2402.

System bus 2412 represents one or more of any of several types of busstructures, including a memory bus or memory controller, a peripheralbus, an accelerated graphics port, and a processor or local bus usingany of a variety of bus architectures. By way of example, and notlimitation, such architectures include Industry Standard Architecture(ISA) bus, Micro Channel Architecture (MCA) bus, Enhanced ISA (EISA)bus, Video Electronics Standards Association (VESA) local bus, andPeripheral Component Interconnect (PCI) bus.

Digital device 2400 typically includes a variety of computer systemreadable media. Such media may be any available media that is accessibleby the digital device 2400 and it includes both volatile and nonvolatilemedia, removable and non-removable media.

In some embodiments, processor 2402 is configured to execute executableinstructions (e.g., programs). In some embodiments, the processor 2402comprises circuitry or any processor capable of processing theexecutable instructions.

In some embodiments, RAM 2404 stores data. In various embodiments,working data is stored within RAM 2404. The data within RAM 2404 may becleared or ultimately transferred to storage 2410.

In some embodiments, communication interface 2406 is coupled to anetwork via communication interface 2406. Such communication can occurvia Input/Output (I/O) device 2408. Still yet, the digital device 2400may communicate with one or more networks such as a local area network(LAN), a general wide area network (WAN), and/or a public network (e.g.,the Internet).

In some embodiments, input/output device 2408 is any device that inputsdata (e.g., mouse, keyboard, stylus) or outputs data (e.g., speaker,display, virtual reality headset).

In some embodiments, storage 2410 can include computer system readablemedia in the form of volatile memory, such as read-only memory (ROM)and/or cache memory. Storage 2410 may further include otherremovable/non-removable, volatile/non-volatile computer system storagemedia. By way of example only, storage 2410 can be provided for readingfrom and writing to a non-removable, non-volatile magnetic media (notshown and typically called a “hard drive”). Although not shown, thedigital device 2400 may include a magnetic disk drive for reading fromand writing to a removable, non-volatile magnetic disk (e.g., a “floppydisk”), and/or an optical disk drive for reading from or writing to aremovable, non-volatile optical disk such as a CDROM, DVD-ROM or otheroptical media. In such instances, each can be connected to system bus2412 by one or more data media interfaces. As will be further depictedand described below, storage 2410 may include at least one programproduct having a set (e.g., at least one) of program modules that areconfigured to carry out the functions of embodiments. In someembodiments, RAM 2404 is found within storage 2410.

Program/utility, having a set (at least one) of program modules may bestored in storage 2410 by way of example, and not limitation, as well asan operating system, one or more application programs, other programmodules, and program data. Each of the operating system, one or moreapplication programs, other program modules, and program data or somecombination thereof, may include an implementation of a networkingenvironment. Program modules generally carry out the functions and/ormethodologies of embodiments as described herein. A module may behardware (e.g., ASIC, circuitry, and/or the like), software, or acombination of both.

It should be understood that although not shown, other hardware and/orsoftware components could be used in conjunction with the digital device2400. Examples include, but are not limited to: microcode, devicedrivers, redundant processing units, and external disk drive arrays,RAID systems, tape drives, and data archival storage systems, etc.

Exemplary embodiments are described herein in detail with reference tothe accompanying drawings. However, the present disclosure can beimplemented in various manners, and thus should not be construed to belimited to the embodiments disclosed herein. On the contrary, thoseembodiments are provided for the thorough and complete understanding ofthe present disclosure, and completely conveying the scope of thepresent disclosure to those skilled in the art.

As will be appreciated by one skilled in the art, aspects of one or moreembodiments may be embodied as a system, method or computer programproduct. Accordingly, aspects may take the form of an entirely hardwareembodiment, an entirely software embodiment (including firmware,resident software, micro-code, etc.), or an embodiment combiningsoftware and hardware aspects that may all generally be referred toherein as a “circuit,” “module” or “system.” Furthermore, aspects maytake the form of a computer program product embodied in one or morecomputer readable medium(s) having computer readable program codeembodied thereon.

Any combination of one or more computer readable medium(s) may beutilized. The computer readable medium may be a computer readable signalmedium or a computer readable storage medium. A computer readablestorage medium may be, for example, but not limited to, an electronic,magnetic, optical, electromagnetic, infrared, or semiconductor system,apparatus, or device, or any suitable combination of the foregoing. Morespecific examples (a non-exhaustive list) of the computer readablestorage medium would include the following: an electrical connectionhaving one or more wires, a portable computer diskette, a hard disk, arandom access memory (RAM), a read-only memory (ROM), an erasableprogrammable read-only memory (EPROM or Flash memory), an optical fiber,a portable compact disc read-only memory (CD-ROM), an optical storagedevice, a magnetic storage device, or any suitable combination of theforegoing. In the context of this document, a computer readable storagemedium may be any tangible medium that can contain, or store a programfor use by or in connection with an instruction execution system,apparatus, or device.

A computer readable signal medium may include a propagated data signalwith computer readable program code embodied therein, for example, inbaseband/or as part of a carrier wave. Such a propagated signal may takeany of a variety of forms, including, but not limited to,electro-magnetic, optical, or any suitable combination thereof. Acomputer readable signal medium may be any computer readable medium thatis not a computer readable storage medium and that can communicate,propagate, or transport a program for use by or in connection with aninstruction execution system, apparatus, or device.

Program code embodied on a computer readable medium may be transmittedusing any appropriate medium, including but not limited to wireless,wireline, optical fiber cable, RF, etc., or any suitable combination ofthe foregoing.

Computer program code for carrying out operations for aspects discussedherein may be written in any combination of one or more programminglanguages, including an object oriented programming language such asJava, Smalltalk, C++ or the like and conventional procedural programminglanguages, such as the “C” programming language or similar programminglanguages. The program code may execute entirely on the user's computer,partly on the user's computer, as a stand-alone software package, partlyon the user's computer and partly on a remote computer or entirely onthe remote computer or server. In the latter scenario, the remotecomputer may be connected to the user's computer through any type ofnetwork, including a local area network (LAN) or a wide area network(WAN), or the connection may be made to an external computer (forexample, through the Internet using an Internet Service Provider).

Aspects of some of the embodiments are described herein with referenceto flowchart illustrations and/or block diagrams of methods, apparatus(systems) and computer program products according to embodiments. Itwill be understood that each block of the flowchart illustrations and/orblock diagrams, and combinations of blocks in the flowchartillustrations and/or block diagrams, can be implemented by computerprogram instructions. These computer program instructions may beprovided to a processor of a general purpose computer, special purposecomputer, or other programmable data processing apparatus to produce amachine, such that the instructions, which execute via the processor ofthe computer or other programmable data processing apparatus, creatingmeans for implementing the functions/acts specified in the flowchartand/or block diagram block or blocks.

These computer program instructions may also be stored in anon-transitory computer readable medium that can direct a computer,other programmable data processing apparatus, or other devices tofunction in a particular manner, such that the instructions stored inthe computer readable medium produce an article of manufacture includinginstructions which implement the function/act specified in the flowchartand/or block diagram block or blocks.

The computer program instructions may also be loaded onto a computer,other programmable data processing apparatus, or other devices to causea series of operational steps to be performed on the computer, otherprogrammable apparatus or other devices to produce a computerimplemented process such that the instructions which execute on thecomputer or other programmable apparatus provide processes forimplementing the functions/acts specified in the flowchart and/or blockdiagram block or blocks.

Aspects of some of the embodiments are described herein with referenceto flowchart illustrations and/or block diagrams of methods, apparatus(systems) and computer program products according to embodiments. Itwill be understood that each block of the flowchart illustrations and/orblock diagrams, and combinations of blocks in the flowchartillustrations and/or block diagrams, can be implemented by computerprogram instructions. These computer program instructions may beprovided to a processor of a general purpose computer, special purposecomputer, or other programmable data processing apparatus to produce amachine, such that the instructions, which execute via the processor ofthe computer or other programmable data processing apparatus, createmeans for implementing the functions/acts specified in the flowchartand/or block diagram block or blocks.

These computer program instructions may also be stored in anon-transitory computer readable medium that can direct a computer,other programmable data processing apparatus, or other devices tofunction in a particular manner, such that the instructions stored inthe computer readable medium produce an article of manufacture includinginstructions which implement the function/act specified in the flowchartand/or block diagram block or blocks.

The computer program instructions may also be loaded onto a computer,other programmable data processing apparatus, or other devices to causea series of operational steps to be performed on the computer, otherprogrammable apparatus or other devices to produce a computerimplemented process such that the instructions which execute on thecomputer or other programmable apparatus provide processes forimplementing the functions/acts specified in the flowchart and/or blockdiagram block or blocks.

Throughout this specification, plural instances may implementcomponents, operations, or structures described as a single instance.Although individual operations of one or more methods are illustratedand described as separate operations, one or more of the individualoperations may be performed concurrently, and nothing requires that theoperations be performed in the order illustrated. Structures andfunctionality presented as separate components in example configurationsmay be implemented as a combined structure or component. Similarly,structures and functionality presented as a single component may beimplemented as separate components. These and other variations,modifications, additions, and improvements fall within the scope of thesubject matter herein.

It may be apparent to those skilled in the art that variousmodifications may be made and other embodiments may be used withoutdeparting from the broader scope of the discussion herein. Therefore,these and other variations upon the example embodiments are intended tobe covered by the disclosure herein.

1. A non-transitory computer readable medium comprising instructionsexecutable by a processor, the instructions being executable to performa method, the method comprising: providing, by a first property ownersystem to an investment system, a first loan request to be secured byfirst property owned by a first user of the first property owner system,the first loan request including first property information identifyingthe first property, the first property owner system being remote fromthe investment system; receiving first loan terms and a proposed firstagreement by the first property owner system from the investment system,the loan terms being based on an assessment of first value of the firstproperty by the investment system, the assessment being based, at leastin part, on the property information of the first property; providing anindication of agreement to the first loan terms; receiving an indicationthat the investment system is publishing on a network site a firstparticular loan opportunity among a plurality of different loanopportunities, the first particular loan opportunity being based on theagreed first loan terms and the first property information, theplurality of different loan opportunities being searchable through aninterface provided by the investment system; receiving, after a firstperiod of time from the investment system, an indication that a loanbased on the first loan terms has been funded by at least a firstinvestor and a second investor, the first investor and the secondinvestor having provided an agreement to fund different portions of theloan through investment system, the first investor and the secondinvestor being remote from each other and being different entities;receiving, as directed by the investment system, a loan amount asindicated by the first loan terms, the investment system calculating anddistributing daily returns to the first investor and the second investorbased on their investment; prepaying a portion of the first loan amount,by the first property owner system, a first advanced payment of theloan, portions of the advanced payment being distributed by theinvestment system to the first and second investors, the investmentsystem recalculating daily returns to account for the first advancedpayment; and receiving an indication from the investor system that thefirst investor sold their investment in the loan to a third investor,whereby the investor system distributes future daily returns to thesecond and third investors.
 2. The non-transitory computer readablemedium of claim 1, wherein the loan terms require any loan agreement tobe between an entity operating the investment system and the firstproperty owner system.
 3. The non-transitory computer readable medium ofclaim 1, the method further comprising: providing a query from theproperty owner system to the investment system; receiving, by theproperty owner system, different loan opportunities of the plurality ofdifferent loan opportunities based on a first query; providing aselection of the first particular loan opportunity from the plurality ofdifferent loan opportunities by the property owner system to theinvestment system; receiving, by the property owner system from theinvestment system, details of the first particular loan opportunityincluding at least some of the property information identifying thefirst property; providing an agreement from the first user to purchasean investment position from the second investor; receiving distributionsof daily returns, a second amount of the daily returns of the first userbeing based on the investment position from the second investor.
 4. Thenon-transitory computer readable medium of claim 1, the method furthercomprising: receiving a first agreement from the investor system, thefirst agreement being based on a first agreement template from aplurality of agreement templates, the investor system having populatedthe first agreement template based on an identity of the first user, theloan amount, the first loan terms, and the first property information;and providing a signed copy of the first agreement from the propertyowner system.
 5. The non-transitory computer readable medium of claim 1,wherein the first user receives the loan amount from a financialinstitution at the direction of the investment system.
 6. Thenon-transitory computer readable medium of claim 2, wherein the firstuser receives daily distributions from a financial institution at thedirection of the investment system.
 7. The non-transitory computerreadable medium of claim 1, the method further comprising registeringthe first loan, the first loan indicating that entity operating theinvestment system is a sole debtor.
 8. The non-transitory computerreadable medium of claim 1, the method further comprising: providingidentification information to the investment system for authenticationof the first user by the investment system; utilizing a communicationchannel among the first property owner system, the first investorsystem, and the second investor system for communication over thenetwork; providing new loan terms of the communication channel, theinvestment system creating a secure record of communication in thecommunication channel; providing a second query for the secure recordfrom the property owner system; and receiving the secure record uponauthentication of the second query.
 9. The non-transitory computerreadable medium of claim 8, the method further comprising providing anencryption key to the investment system to enable the investment systemto determine if the first user is authorized to receive the securerecord.
 10. The non-transitory computer readable medium of claim 1, themethod further comprising navigating, by the property owner system tothe investment system and receiving a dashboard viewable by the propertyowner system, the dashboard indicating remaining amounts associated withthe loan, payments, prepayments, and duration of loan daily paymentsmade and future daily payments for any number of loans of the first userusing the investment system.
 11. An investment system comprising: atleast one processor; a network interface to communicate over a network;and memory, the memory including instructions to control the at leastone processor to: provide, by a first property owner system to aninvestment system, a first loan request to be secured by first propertyowned by a first user of the first property owner system, the first loanrequest including first property information identifying the firstproperty, the first property owner system being remote from theinvestment system; receive first loan terms and a proposed firstagreement by the first property owner system from the investment system,the loan terms being based on an assessment of first value of the firstproperty by the investment system, the assessment being based, at leastin part, on the property information of the first property; provide anindication of agreement to the first loan terms; receive an indicationthat the investment system is publishing on a network site a firstparticular loan opportunity among a plurality of different loanopportunities, the first particular loan opportunity being based on theagreed first loan terms and the first property information, theplurality of different loan opportunities being searchable through aninterface provided by the investment system; receive, after a firstperiod of time from the investment system, an indication that a loanbased on the first loan terms has been funded by at least a firstinvestor and a second investor, the first investor and the secondinvestor having provided an agreement to fund different portions of theloan through investment system, the first investor and the secondinvestor being remote from each other and being different entities;receive, as directed by the investment system, a loan amount asindicated by the first loan terms, the investment system calculating anddistributing daily returns to the first investor and the second investorbased on their investment; prepay a portion of the first loan amount, bythe first property owner system, a first advanced payment of the loan,portions of the advanced payment being distributed by the investmentsystem to the first and second investors, the investment systemrecalculating daily returns to account for the first advanced payment;and receive an indication from the investor system that the firstinvestor sold their investment in the loan to a third investor, wherebythe investor system distributes future daily returns to the second andthird investors.
 12. The system of claim 11, wherein the loan termsrequire any loan agreement to be between an entity operating theinvestment system and the first property owner system.
 13. The system ofclaim 11, the memory including instructions to control the at least oneprocessor to further: provide a query from the first user to theinvestment system; receive, by the property owner system, different loanopportunities of the plurality of different loan opportunities based ona first query; provide a selection of the first particular loanopportunity from the plurality of different loan opportunities by theproperty owner system to the investment system; receive, by the propertyowner system from the investment system, details of the first particularloan opportunity including at least some of the property informationidentifying the first property; provide an agreement from the first userto purchase an investment position from the second investor; and receivedistributions of daily returns, a second amount of the daily returns ofthe first user being based on the investment position from the secondinvestor.
 14. The system of claim 11, the memory including instructionsto control the at least one processor to further: receive a firstagreement from the investor system, the first agreement being based on afirst agreement template from a plurality of agreement templates, theinvestor system having populated the first agreement template based onan identity of the first user, the loan amount, the first loan terms,and the first property information; and provide a signed copy of thefirst agreement from the property owner system.
 15. The system of claim11, wherein the first user receives the loan amount from a financialinstitution at the direction of the investment system.
 16. The system ofclaim 12, wherein the first user receives daily distributions from afinancial institution at the direction of the investment system.
 17. Thesystem of claim 11, the memory including instructions to control the atleast one processor to further register the first loan, the first loanindicating that entity operating the investment system is a sole debtor.18. The system of claim 11, the memory including instructions to controlthe at least one processor to further: provide identificationinformation to the investment system for authentication of the firstuser by the investment system; utilize a communication channel among thefirst property owner system, the first investor system, and the secondinvestor system for communication over the network; provide new loanterms of the communication channel, the investment system creating asecure record of communication in the communication channel; provide asecond query for the secure record from the property owner system; andreceive the secure record upon authentication of the second query. 19.The system of claim 18, the memory including instructions to control theat least one processor to further provide an encryption key to theinvestment system to enable the investment system to determine if thefirst user is authorized to receive the secure record.
 20. A methodcomprising: providing, by a first property owner system to an investmentsystem, a first loan request to be secured by first property owned by afirst user of the first property owner system, the first loan requestincluding first property information identifying the first property, thefirst property owner system being remote from the investment system;receiving first loan terms and a proposed first agreement by the firstproperty owner system from the investment system, the loan terms beingbased on an assessment of first value of the first property by theinvestment system, the assessment being based, at least in part, on theproperty information of the first property; providing an indication ofagreement to the first loan terms; receiving an indication that theinvestment system is publishing on a network site a first particularloan opportunity among a plurality of different loan opportunities, thefirst particular loan opportunity being based on the agreed first loanterms and the first property information, the plurality of differentloan opportunities being searchable through an interface provided by theinvestment system; receiving, after a first period of time from theinvestment system, an indication that a loan based on the first loanterms has been funded by at least a first investor and a secondinvestor, the first investor and the second investor having provided anagreement to fund different portions of the loan through investmentsystem, the first investor and the second investor being remote fromeach other and being different entities; receiving, as directed by theinvestment system, a loan amount as indicated by the first loan terms,the investment system calculating and distributing daily returns to thefirst investor and the second investor based on their investment;prepaying a portion of the first loan amount, by the first propertyowner system, a first advanced payment of the loan, portions of theadvanced payment being distributed by the investment system to the firstand second investors, the investment system recalculating daily returnsto account for the first advanced payment; and receiving an indicationfrom the investor system that the first investor sold their investmentin the loan to a third investor, whereby the investor system distributesfuture daily returns to the second and third investors.